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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,122 | $110,337-61.8% | $102,383-58.9% | $145,877-71.1% |
| Participation rate | 69.6% | 77.9%-8.4pp | 74.5%-4.9pp | 80.3%-10.7pp |
| Annual return | 12.26% | 24.83%-12.6pp | 24.94%-12.7pp | 551.28%-539.0pp |
| Employer contribution / active EE | $1,888 | $4,216-55.2% | $3,870-51.2% | $4,663-59.5% |
| Participant deferral / active EE | $4,765 | $5,621-15.2% | $5,060-5.8% | $6,691-28.8% |
| Admin fee / account holder | $1,973 | $9,750-79.8% | $8,391-76.5% | $13,402-85.3% |